Risk & Compliance Manager

Job Summary

Risk Management

• Develop, implement, and maintain the Enterprise Risk Management (ERM) framework.

• Identify, assess, monitor, and report operational, financial, strategic, technology, liquidity, fraud, and reputational risks.

• Maintain the corporate risk register and monitor risk mitigation plans.

• Conduct periodic risk assessments across all business units.

• Promote a risk-aware culture throughout the organization.

Compliance Management

• Ensure compliance with Da Afghanistan Bank regulations, EMI licensing requirements, and applicable laws.

• Develop and maintain compliance policies, procedures, and internal controls.

• Monitor compliance with internal policies and regulatory obligations.

• Coordinate regulatory reporting and compliance reviews.

• Serve as the primary point of contact for regulatory compliance matters.

AML/CFT & KYC Oversight

• Develop and oversee the implementation of AML/CFT and KYC policies and procedures.

• Monitor suspicious transactions and ensure timely reporting to the relevant authorities.

• Conduct customer and agent due diligence reviews.

• Ensure ongoing sanctions screening and transaction monitoring.

• Coordinate AML/CFT training and awareness programs.

Internal Controls

• Design and evaluate internal control systems.

• Conduct compliance monitoring and control testing.

• Recommend corrective actions to address control weaknesses.

• Monitor implementation of corrective action plans.

Risk Monitoring and Reporting

• Prepare periodic risk and compliance reports for Executive Management and the Board.

• Report significant risk exposures, compliance breaches, and emerging risks.

• Develop and monitor Key Risk Indicators (KRIs) and compliance metrics.

Policy Development

• Develop, review, and update risk management, compliance, AML/CFT, KYC, fraud prevention, and operational policies.

• Ensure policies remain aligned with regulatory changes and industry best practices.

Training and Awareness

• Conduct risk, compliance, and AML/CFT training for employees, branch staff, and agents.

• Promote awareness of regulatory obligations and ethical business practices.

• Support departments in implementing effective risk management practices.

Job Requirements

Qualifications:

• Bachelor's degree in Finance, Banking, Accounting, Business Administration,  Economics, Risk Management, or a related field.

• Master's degree or professional certification (CAMS, CISA, CRMA, CIA, FRM, or equivalent) is an advantage.

• Minimum of 5 years of professional experience in banking, Electronic Money Institutions (EMIs), fintech, or financial services in risk management, compliance, AML/CFT, or internal audit.

• Experience working with financial sector regulatory requirements and governance frameworks.

Core Competencies:

• Excellent report writing and presentation skills.

• Strong leadership and stakeholder management abilities.

• High level of integrity and confidentiality.

• Excellent communication and problem-solving skills.

• Fluency in English; knowledge of Dari and Pashto is highly desirable.

• Enterprise Risk Management

• Regulatory Compliance

• AML/CFT and KYC Compliance

• Fraud Risk Management

• Internal Controls

• Corporate Governance

• Risk Assessment and Analysis

• Regulatory Reporting

• Policy Development

• Strategic Planning